tiple,
while i'll agree the nec does not clarify
all, anything out of it is opinion and not legally binding...
(6) 120/240-Volt, 3-Wire, Single-Phase Dwelling Services and Feeders. For dwelling units, conductors, as listed in Table 310.15(B)(6), shall be permitted as 120/240-volt, 3-wire, single-phase service-entrance conductors, service lateral conductors, and feeder conductors that serve as the main power feeder to a dwelling unit and are installed in raceway or cable with or without an equipment grounding conductor. For application of this section, the main power feeder shall be the feeder(s) between the main disconnect and the lighting and appliance branch-circuit panelboard(s). The feeder conductors to a dwelling unit shall not be required to be larger than their service-entrance conductors. The grounded conductor shall be permitted to be smaller than the ungrounded conductors, provided the requirements of 215.2, 220.22, and 230.42 are met.
HB Commentary....
if a single set of 3-wire, single-phase, service-entrance conductors in raceway or cable supplies a one-family, two-family, or multifamily dwelling, the reduced conductor size permitted by 310.15(B)(6) is applicable to the service-entrance conductors, service-lateral conductors, or any feeder conductors that supply the main power feeder to a dwelling unit.
This section permits the main feeder to a dwelling unit to be sized according to the conductor sizes in Table 310.15(B)(6) even if other loads, such as ac units and pool loads, are fed from the same service. The feeder conductors to a dwelling unit are not required to be larger than its service-entrance conductors.